Investor Presentaiton

Product Area - Credit Limit Service Offering ■ The Credit Limit product was launched in Finland in June 2013 and is currently offered in 10 of Ferratum Group's markets, including in the Nordics, Estonia, Latvia, Spain, Czech Republic, the UK and in Brazil ■ Credit limits offered by Ferratum are up to EUR 3,000 and the product offering is similar to a flexible revolving overdraft facility ■ Customers can withdraw money within a certain limit over a month's period and choose which amount to pay back at the end of each month. Monthly minimum instalments covers interest and some amortization is required Hence, the product offers a very flexible solution from a customer point of view, enabling customers to withdraw and repay in accordance with their cash flow situation ■ Draw downs and repayments are allowed at any number of times until the expiration of the arrangement ■ As at Dec-18, the average amount loan amount was EUR 1,269 ■ The product segment has seen a rapid growth from initiation Credit Limit - Share of Revenue 50.5% Credit Limit - Revenue and Contribution (EUR thousands) 41% p.a. 132,321 103,774 ■ Credit Limit comprised nearly 48% of the total loan portfolio as at Dec-18 and generated half of the Group's revenues for FY 2018 66,444 Revenues 24% 21% 19% Gross contribution margin (%) ■ The Group is planning on expanding the product offering to more of its markets Source: Company filings FY 2016 FY 2017 FY 2018 ferratum 25 25

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